Balance
Program Balance
The funds each program holds in the iQpay portal to cover the services it provisions. Restricted card redemptions and platform fees draw it down; payments and refunds build it back up. See Program Balance.Target Balance
The positive balance every program is expected to maintain — a recharge brings the balance back up to it. Set with your iQpay representative per program. See Auto-Recharge.Low balance alert
An optional alert you receive when the balance falls below a level you set. It does not add funds — it only warns you. See Auto-Recharge.Balance history
The record of every change to the Program Balance, with the date, type, reason, amount, and new balance for each entry. See Balance History.Recharge
Auto recharge
The rule that issues a Top-Up Bill automatically when the balance drops below the Recharge threshold. It keeps a program funded without manual work. See Auto-Recharge.Recharge threshold
The funding level that triggers an automatic top-up back to the Target Balance — when the balance is below it, a recharge starts. See Auto-Recharge.Bills and payments
Top-Up Bill
The invoice that recharges a program to its Target Balance, charged to your chosen payment method. Issued automatically by auto recharge or when funding a program launch. See Invoices and Auto-Recharge.Top-up
The act of adding funds to the Program Balance.Payment method
The card or bank account on file, used to pay Top-Up Bills through Stripe. You manage payment methods under Billing → Payment methods. See Billing & Payments.Fees
Platform and program charges that post to the Program Balance right away. They are not billed separately — your invoices itemize them for the period. See Fee Types.Balance states
Negative limit
The lowest balance an approved program can reach before services are paused — a level below $0 granted by iQpay. If the balance stays below this level for more than 10 days, card sends pause automatically. See Billing & Payments.Negative balance
When the Program Balance falls below zero. If a program goes negative without approval, you have 10 days to restore the balance to $0 or above. If it stays negative for more than 10 days, new card sends are paused automatically and iQpay pauses all restricted cards on the program until the outstanding bill is paid and the balance is restored. On an approved program, card sends are paused when three or more Top-Up Bills are outstanding, and the 10-day rule is measured against the Negative limit instead of $0 — if the balance stays below that level for more than 10 days, card sends pause automatically until it recovers to the Negative limit or above. See Billing & Payments.Sends paused
The status shown when a program’s card sends are stopped for balance reasons. When the pause is caused by a negative balance, the program page shows:Program sends are paused because Program Balance is negative. Recharge the program or enable negative Program Balance to resume sends.When the pause is caused by too many outstanding Top-Up Bills, the program page shows:
Program sends are paused because too many recharge invoices are outstanding. Settle the outstanding recharge invoices to resume sends.The negative-balance pause lifts on its own once the balance is back to $0 or above. The outstanding-bill pause lifts once the bills are settled. See Auto-Recharge and Billing & Payments.